Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,238Not just lender fees.
Before credits & paid funds$10,238The complete starting cash picture.
Estimated remaining funds due at closing
$10,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$51,686.43
Your down payment$0.00
Closing costs + prepaids$10,238.49
Total buyer cash needed$10,238.49
Remaining funds due$10,238.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,505.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$234.25
Prepaid interest, first (31 days)$785.31
Fees + prepaids$10,238.49
Your down payment is the seller’s equity. You take over the $301,186 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $10,238.49 is due at closing. Not a Closing Disclosure.